Private Bank Mortgages and Advice
Have special requirements or unique property needs? Find out how we can help you with a private bank mortgage, the types of options we can assist with and more.
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How Can John Charcol Help with Private Bank Mortgages?
If you are a high-net-worth individual looking for a mortgage lender that understands your unique property needs, you may find that a private bank mortgage offers you far more tailored experience than the standard products advertised by high street lenders.
Homebuyers with complex incomes or wealth streams may find their mortgage options restricted if they approach traditional high street lenders, who typically apply a “tick box” approach to assessing whether to grant a mortgage. Private banks consider options on a case-by-case basis, often considering an individual borrower’s ability to fund their mortgage by taking account their wealth in addition to income.
Private bank mortgages are often bespoke to the individual borrower. Finding the right funding partner and negotiating terms and repayment methods can be inherently complex, requiring careful consideration and meticulous execution. Your new property may also be subject to non-standard construction for a mortgage, so it's important to discuss with a specialist broker.
At John Charcol, we have over 45 years of experience helping medium and high-net-worth clients to find the right mortgage at terms which fit their life aspirations, income and wealth. We understand our clients are busy people so we ensure our service is tailored to their sometimes hectic schedules. Learn more about the specialist mortgages we can help with.
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We Can Help with a Broad Range of Options, Including:
- Larger mortgage loans, up to 80% LTV (loan-to-value)
- Interest-only options
- Private bank mortgages for residential and investment properties
- Options for short term finance (bridging), mortgages for buy-to-let, commercial mortgage, development finance, mortgages for company directors and more.
- Mortgage solutions for complex income arrangements
- Solutions for high-net-worth individuals who require large mortgage loans
- Options with limited or no funds placed under management with the bank
Our network of private bank contacts affords us the luxury of being able to negotiate directly with underwriters at private banks who we know have a proven track record in closing larger mortgage deals for our clients.
John Charcol Expert Tip - September 2024
"Private bank mortgages offer a bespoke solution tailored to your unique financial situation and goals. With a personalised approach, these mortgages provide flexibility, competitive rates, and exclusive terms that standard lenders may not offer. Whether you're looking to invest in a high-value property, manage complex income structures, or seek more personalised financial planning, a private bank mortgage can provide the customised service and expertise you need."
Private Bank vs High Street Lender
Many high street lenders will not have the expertise to process particularly complicated or high-net-worth cases in a timely manner. John Charcol has relationships with a number of specialist private banks that are able to provide a more flexible bespoke perspective on an applicant’s affordability.
Private banks assess each mortgage lending decision on an individual basis, taking into account a potential borrower’s assets and the bigger financial picture. Knowing exactly which lenders to approach with these complex cases is something that John Charcol has been practicing for over 45 years. In this case, experience really does matter.
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Mortgage Glossary
On this page you’ll find our detailed mortgage terminology glossary. There’s a lot of jargon out there but we’re here to make it easy.
Mortgage Types
Our guide explains everything you need to know about the different types of mortgages, including: interest rates, features, repayment methods and more.
Home Insurance
We’re partners with Legal and General, so we can find you buildings and contents insurance for your new property.
Protection
It's important to protect yourself against the unforeseen. Our in-house team can organise mortgage protection that's tailored to suit your unique needs.
JC Legal
We have access to a select panel of trusted conveyancers and solicitors so, not only do we organise your mortgage, we can refer you to a trusted solicitor for the conveyancing part of the process.
Concierge
We can help you prepare your property for tenants with our exclusive Concierge Service - available through our partners Just Move In. They’ll arrange all the removals and can set up things like Council Tax.